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Mettle VS CardOneMoney: Business Banking Review & Fee Comparison


By: Ian Wright | Last Updated: May 22, 2025

Is Mettle or CardOneMoney better for your small business?



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Below we look at both Mettle and CardOneMoney reviews on Trustpilot along with their App reviews from Apple and Google.

We then look at typical fees, business savings rates, foreign currency options and a whole bunch of other account features to help you make up your mind.

Mettle Homepage
Mettle Homepage


CardOneMoney Homepage
CardOneMoney Homepage
 

Mettle vs CardOneMoney Trustpilot Reviews

MettleCardOneMoney
Trustpilot Review Score (out of 5)4.64.6
Percent 5-Star Reviews81%85%
Percent 1- Star Reviews8%9%
Total Number of Reviews3,418798
Sources:
https://www.trustpilot.com/review/mettle.co.uk
https://www.trustpilot.com/review/cardonemoney.com

Mettle vs CardOneMoney App Reviews

MettleCardOneMoney
iPhone Review Score (out of 5)4.92.7
Number of iPhone Reviews25,10061
Android Review Score (out of 5)4.83.9
Number of Android Reviews8,890200
Sources:
https://apps.apple.com/gb/app/mettle-business-bank-account/id1411976870
https://apps.apple.com/gb/app/card-one-money/id1133870045

Mettle vs CardOneMoney Account Fees & Charges

MettleCardOneMoney
Free Business Bank AccountYesNo
Free Business Account Term LengthNo LimitNA
Cheapest Monthly Account FeeNo£12.50
Most Expensive Monthly Account FeeNo£25
Electronic Payment Cost (in/out)FreeFree
Cash Payments Cost (in/out)£1.50 / £2.50£1.50
Cheques (in/out)50p£5
CHAPS Payments Cost£20£30
SEPA Payments CostNoNo

Mettle vs CardOneMoney Business Savings Rates

MettleCardOneMoney
Types of Business Savings AccountsSavings potNone
Lowest Savings Rate (AER)1.46%NA
Maximum Savings Rate (AER)1.46%NA
Minimum Savings Amount£10NA
Interest Paid On Foreign CurrenciesNoYes
 

Mettle vs CardOneMoney Account Opening Times

MettleCardOneMoney
Can You Apply Online?YesYes
How Long Does Opening An
Account Typically Take?
Few minutes3 hours
Do They Check Your Credit?NoNo
Current Account Switch ServiceNoNo

Mettle vs CardOneMoney Features & Account Types

Mettle Account Types
Mettle Features & Account Types


CardOneMoney Account Types
CardOneMoney Features & Account Types


MettleCardOneMoney
Business Current AccountYesYes
Business Savings AccountYesNo
Business Credit CardNoNo
Business OverdraftNoNo
Accounts For StartupsYesYes
Accounts For CharitiesYesNo
Accounts For Sole TradersYesYes
Joint Business Accounts AvailableNoNo
Card TypeMastercardMastercard
Online BankingYesYes
Mobile BankingYesYes
In Person/Branch BankingNoNo
Branch LocationsNone, online onlyNone, online only

Mettle vs CardOneMoney Customer Support Options

MettleCardOneMoney
Phone Support AvailableYesYes
Email Support AvailableYesYes
App Based Support YesYes
Web Based SupportYesYes
In person Customer SupportNoNo

Mettle vs CardOneMoney Foreign Currency Accounts

MettleCardOneMoney
US Dollar (USD) Bank AccountsNoYes
Euro (EUR) Bank AccountsNoYes
Other Currencies Available:No
  • United States Dollar (USD)
  • Euro (EUR)
  • Japanese Yen (JPY)
  • Chinese Yuan (CNY)
  • Swiss Franc (CHF)
  • Canadian Dollar (CAD)
  • Australian Dollar (AUD)
  • New Zealand Dollar (NZD)

Other Business Services From Mettle and CardOneMoney

Mettle Account Types
Other Mettle Services


CardOneMoney Account Types
Other CardOneMoney Services


MettleCardOneMoney
Business LoansNoYes
Commercial MortgagesNoYes
Invoice FinancingNoYes
International PaymentsNoYes
Merchant Payment ServicesNoNo
Card MachinesNoNo
Free Accounting SoftwareYesNo

Mettle vs CardOneMoney Banking Basics

MettleCardOneMoney
Bank TypeHigh Street/ChallengerChallenger
FSCS ProtectionYes, up to £85,000 via NatWestNo
FCA Number121878504547
WebsiteMettle WebsiteCardOneMoney Website

Common Comparison Questions

Does Mettle or CardOneMoney have better customer reviews?

Mettle scores 4.6 out of 5 based 3,418 Trustpilot reviews. Of these reviews 81% are 5-star and 8% are 1-star.

Whereas, CardOneMoney scores 4.6 out of 5 based 798 Trustpilot reviews. Of which 85% are 5-star and 9% are 1-star.

Does Mettle or CardOneMoney have a better App?

Mettle’s iPhone App is rated 4.9 out of 5 based on 25,100 reviews. And it’s Android App is rated 4.8 out of 5 based on 8,890 reviews.

In comparison, CardOneMoney’s iPhone App is rated 2.7 out of 5 based on 61 reviews. And it’s Android App is rated 3.9 out of 5 based on 200 reviews.

Does Mettle or CardOneMoney have better business savings rates?

Mettle offers the following types of business savings accounts: Savings pot with interest rates ranging from 1.46% to 1.46%. (AER)

In contrast, CardOneMoney offers None accounts with interest rates ranging from NA to NA (AER).

See Other Comparisons:
Mettle vs Fair Everywhere
Mettle vs Countingup
Mettle vs State Bank of India (UK)
Mettle vs Charity Bank
Mettle vs Cumberland Building Society


For other business bank accounts see our guide here.

 



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